When I had my Vulcan Vaquero earlier this year Dairyland was $50 a month compared to GEICO at $75. Not what I expected so I went with Dairyland. When I traded for my new Road Glide recently, Dairyland's quote was $105 a month and GEICO was $50 a month. When I went to switch, Dairyland charged me a fee for early termination. I never heard of such a fee for insurance. I'll never figure out insurance companies. I am thought quite satisfied with the premiums I am currently paying GEICO. The coverage levels and deductibles are the same.